Page 60 The Dispatch/Maryland Coast Dispatch AN ADVISOR WHO HELPS YOU PLAN FOR May 10, 2013 THE FUTURE. YOURS. YOUR KIDS. THEIR KIDS. With our innovative trust solutions, a Merrill Lynch Financial Advisor can help you protect your assets now - and leave a legacy for the future. Contact a Merrill Lynch Financial Advisor for more information. Christine M. Selzer, CFP® Vice President Wealth Management Advisor Brian L. Selzer, CRPC®, CSNA® Senior Financial Advisor Melanie S. Konoski Client Associate Merrill Lynch 11724 Ocean Gateway Ocean City, MD 21842 (410) 213-8521 http://fa.ml.com/brian_selzer Business And Real Estate News Five Eastern Shore women were among 100 leaders recognized by the Baltimore-based business publication, The Daily Record, as Maryland's Top 100 Women of 2013. Pictured, from left, are Dr. Veronique Diriker, Director of Development, University of Maryland Eastern Shore; Karen Lischick, President, The Palmer Foundation; Kathleen Momme, Executive Director, United Way of the Lower Eastern Shore; Dr. Peggy Naleppa, President/CEO, Peninsula Regional Medical Center and Cynthia Boyle, Chair, Practice and Administration, University of Maryland Eastern Shore School of Pharmacy. Boyle, Lischick and Momme were first-time recipients. Naleppa and Diriker have been twice honored with the award. Submitted Photos THE POWER OF THE RIGHT ADVISOR.TM Merrill Lynch Wealth Management available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (“BAC”). Trust and fiduciary services are provided by Merrill Lynch Trust Company, a division of Bank of America, N.A., member FDIC, a wholly owned subsidiary of BAC. Are Not Bank Guaranteed May Lose Value Are Not FDIC Insured MLPF&S and Bank of America, N.A., make available investment products sponsored, managed, distributed or provided by companies that are affiliates of BAC TM or in which BAC has a substantial economic interest including BofA Global Capital Management. © 2011 Bank of America Corporation. All rights reserved. 239008 AR82D2K2-06-11 Code 444405PM-0711 Century Carpet Cleaning Living Room, 2 Bedrooms And Hallway Very Competitive Pricing •Upholstery Cleaning •Deflooding And Drying •Deodorizing •Repairing •Tile And Grout •Cleaning And Repair ALL FOR $7 0 Some Restrictions Apply SAME-DAY SERVICE (RADIO DISPATCHED) Awards Presented OCEAN CITY – Thirty-eight awards were recently presented to support staff and sales associates at the Mark Fritschle Group-Condominium Realty’s annual awards celebration at Buxy’s Salty Dog. The support staff awards were for length of service and for the superior service that has helped make the company such a success. Joanna Bunting was awarded the Sunshine Award for her warm and welcoming personality as she greets the company’s customers and clients each day. Terry Littleton was recognized for her many years of outstanding service. The Sales Associate Awards were for 2012 settled sales and new listings. Wayne Phillips received an award for his Team Spirit and willingness to help other agents. Kevin Decker was No. 1 in sales and No. 1 in new listings. Sheri E. Smith received the award for most sold units. 410-723-2300 24 HOURS A DAY 7 DAYS A WEEK Boomerang Buyer Tips BERLIN – Millions of families lost their homes to foreclosure after the housing crash hit several years ago. Now, some of those families are back in the housing market. The industry has a name for them–the "boomerang" buyers, according to the Coastal Associa- “Your Friends At The Beach” tion of Realtors. “We are seeing more and more consumers reaching out for help with questions about the steps they need to take to get back on the path to home ownership,” said Sheila Dodson, CAR Executive. “Foreclosure is just a one-time event–with discipline and perseverance, you can get a mortgage and become a homeowner again,” Local Realtor and CAR member Jennifer Cropper Rines knows from experience. She has assisted clients through the process of owning a home after filing bankruptcy. "I've worked with clients this year who have been through tough times, said Rines. “But even after a bankruptcy you can repair your credit. It may take a lot of work, but in the end it is worth it. There are loan programs out there where you can obtain 100% financing and asking the seller for a closing credit is also possible. I know because I have seen it happen." Paul Soule, mortgage officer for Coldwell Banker Home Loans, added, “There are loans available for people coming out of the penalty box and looking to buy again. A Federal Housing Administration (FHA) loan that is zip code specifSEE NEXT PAGE Resort Property Management •Administrative Management •Financial Management •Building Maintenance Service •Custodial Services •Pool Services •24-Hour Emergency Service Info@OceanPointLtd.com www.OceanPointLtd.com DCMA PCAM® • AMS® CMCA Certified MHIC #68055 410-213-7144 9923 Stephen Decatur Hwy., Suite D-6 Ocean City, Md. 21842 Grant, Mark and Lora Fritschle and Ed Wehnert presented 38 awards to the support staff and sales associates at the Mark Fritschle Group-Condominium Realty’s annual awards celebration at Buxy’s Salty Dog.